Billing and insurance

Billing and insurance made easy

At Novant Health Charlotte Orthopedic Hospital, we understand that billing and insurance policies can often be confusing and overwhelming. That’s why we have made the billing and insurance process as simple as possible and provide convenient services to assist you.

Paying your bill

Managing your bills after receiving care can be overwhelming. It isn’t uncommon to have several different providers participate in your care. Afterward, you may receive separate bills from each of those providers.

We understand the added stress this can place on you and are here to help. We offer patient financial services to help you make sense of your bill and make the payment process easier.

For more information about paying your bill, call our billing center at toll-free 1-888-844-0080, Monday through Friday between 7 a.m. and 6 p.m. You can also make payments online.

Health insurance plans

In most cases, we will bill your primary health insurance company directly. If we haven't heard from your insurer after 30-45 days, we may ask for your help in contacting them. Amounts that are denied, rejected or unpaid may become your responsibility, depending on your plan type and benefits. Learn more about our accepted insurance plans.

Health insurance card checklist

Beyond your name and policy number, your insurance card contains important information. We have compiled a checklist of questions to review before arriving that will help simplify the admission process. Learn more about your health insurance plan before you arrive.

Medicare

If you have Medicare, we will bill it first and then bill unpaid amounts to any supplemental insurance policies you may have. All unpaid balances may become your responsibility depending on your plan type and benefits.

Self-pay options and financial assistance for the uninsured

Any patient is eligible for an individual payment plan based on the amount due and the patient's financial status, with terms extending up to five years. As a not-for-profit organization, Novant Health is committed to providing outstanding healthcare to all members of our community, regardless of their ability to pay.

We provide free care to uninsured patients with incomes of up to 300 percent of the federal poverty level, with 100 percent write-off. Any patient with a balance over 20 percent of their gross annual income is eligible for a catastrophic settlement.

Financial navigator services

Our financial navigator service provides help estimating your insurance coverage and out-of-pocket expenses acquired while receiving care at our hospital. One of our financial navigators will ask you about your insurance and medical procedure, then provide you with an estimate of the procedure's cost, as well as payment options.

Accessing the service is quick and easy. To contact one of our financial navigators, please call toll-free 1-888-277-3901 Monday through Friday from 8 a.m. to 6 p.m. Voicemail is available for after-hours or weekend calls.